You’re looking around for a new checking account and think you’ve found the perfect one. It has all the features you need, including a $300 cash bonus just for signing up. But there’s one caveat — you can only get the bonus if you enroll in monthly direct deposits, which your employer doesn’t offer. Queue bank promotions without direct deposit requirements!
Most bank bonuses have a few qualifying requirements. For example, you may have to maintain a minimum balance requirement or average daily balance. You may also have to satisfy a minimum deposit threshold upon account opening.
Many banks also require that you link direct deposit to your account to get the sign-up bonus, which can be problematic if you work for a company that doesn’t support it.
Maybe you’re between jobs, are self-employed, or your employer pays you by check or in cash. These are all valid reasons why you might not be able to set up direct deposits with your bank.
Keep in mind that some of these accounts are available nationwide, while others might only be offered in the states in which the bank operates physical branches.
Best Bank Bonuses Without Direct Deposit Requirements – October 2025
Here are the 25 current best bank bonuses that don’t require a direct deposit:
- HSBC: up to $3500 bonus
- Raisin: up to $1000 bonus
- Barclays: $200 bonus
- Axos: up to $600 bonus
- U.S. Bank: up to $1200 bonus
- Chase: up to $500 bonus
- J.P. Morgan: up to $700 bonus
- TD Bank: $200 bonus
- Bank of America: $200 bonus
- Discover: up to $200 bonus
- Revolut: $10 bonus
- Baselane: $150 bonus
- Huntington: $400 bonus
- Middlesex Savings Bank: $250 bonus
- E*TRADE Bank: up to $10000 bonus
- Vantage West Credit Union: up to $500 bonus
- Cambridge Savings Bank: $150 bonus
- Central Pacific Bank: up to $1200 bonus
- Wells Fargo: $400 bonus
- Connexus: $300 bonus
- Associated Bank: up to $750 bonus
- First Horizon Bank: $800 bonus
- Central Bank of the Midwest: $500 bonus
- Flagstar Bank: $500 bonus
- Live Oak: $200 bonus
1. HSBC Bank
Available nationwide, HSBC is offering up to $3,500 in welcome bonuses when you open a new HSNC Premier checking account and complete qualifying activities. Similar to previous offers, HSBC is largely interested in the amount of cash you can bring to your accounts. The more cash, the larger the bonus!
Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC. *Investment and annuity products are offered by HSBC Securities (USA) Inc. (HSBC Securities), member NYSE/FINRA/SIPC. HSBC Securities is an affiliate of HSBC Bank USA, N.A.
HSBC Premier - up to $3500 bonus
Expires: December 31, 2025
The HSBC Premier signup offer requires you to deposit and maintain a minimum balance in order to earn the $3500 bonus. Full requirements to receive this bonus are:
- Open a new HSBC Premier checking account during the Offer Period (October 1 - December 31, 2025).
- By December 31, add New Deposits as follows to your Premier checking account, Premier Savings account and/or Premier Relationship Savings account: $150,000 to $249,999, earn $1,000; $250,000 to $499,999, earn $2,500; $500,000+, earn $3,500
- Maintain the New Deposits through March 31, 2026.
- Earn a $25 Extra Cash Bonus when you register and logon to the HSBC US Mobile Banking App by December 31, 2025.
- If all offer requirements are met, Cash Bonuses will be paid by May 31, 2026.
Apply now to earn the $3500 bonus from HSBC
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2. Raisin
Available nationwide, Raisin is offering up to a $1,000 welcome bonus when you open a new HYSA and deposit some funds. This is MORE THAN DOUBLE what Raisin previously offered! The catch? To earn the highest amount, you'll need to deposit at least $100,000! With that said, the lowest tier to earn a bonus is $10,000
If you're not familiar with Raisin, they partner with several banks and credit unions to provide high yield savings accounts through their platform. There are no minimum balance requirements, no fees and a high APY on all balances.
High Yield Savings - up to $1000 bonus
Expires: Limited Time
The High Yield Savings signup offer requires you to deposit and maintain a minimum balance in order to earn the $1000 bonus. Full requirements to receive this bonus are:
- Open a new HYSA account through the Raisin platform using promo code EASY.
- Within 14 days, deposit $10,000 to earn $75, $25,000 to earn $250, $50,000 to earn $500 or $100,000+ to earn $1,000.
- Maintain that balance for 90 days.
- Bonus will be deposited into your linked external bank account within 30 days of meeting all requirements.
Apply now to earn the $1000 bonus from Raisin
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3. Barclays Bank
Extended thru 2025 and available nationwide, Barclays is offering a $200 bonus to new customers that open a new Tiered Saving account and deposit $30,000. To qualify for this offer, you must be a new Barclays Savings customer (current and previous Barclays customers with a Savings account or CD are not eligible). Terms Apply.
Barclays Tiered Savings - $200 bonus
Expires: December 31, 2025
The Barclays Tiered Savings signup offer requires you to deposit and maintain a minimum balance in order to earn the $200 bonus. Full requirements to receive this bonus are:
- Must be a new Barclays banking customer and open a Tiered Savings account.
- Within 30 days, deposit at least $30,000 in new funds.
- For 120 consecutive days maintain at least a $30,000 balance.
- After the $30,000 balance is maintained for 120 consecutive days, the $200 bonus will be added directly to the account within 60 days.
Apply now to earn the $200 bonus from Barclays
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4. Axos Bank
Axos is offering up to $600 to business owners who open a new Business Premium Savings account and bundle with a Basic Business Checking account. This offer is broken up into installments which are dispursed in $100 increments each month you complete the bonus requirements.
It's a tougher offer to earn than previous offers that did not require bundling; however, the bonus amount is considerably higher. Not only is this offer available nationwide with the ability to open online, it's also the highest reward amount we've seen Axos offer, so now is a good time to jump on it!
What's more? This is ON TOP of the account's 3.80% APY! We challenge you to find any other business savings account offering that kind of APY. So while, yes, the required deposit amounts are steep, coupled with the competitive interest rate, we think this is a great opportunity for businesses with the available cash.
Business Premium Savings - up to $600 bonus
Expires: June 30, 2026
The Business Premium Savings signup offer requires you to deposit and maintain a minimum balance and make purchases using the account's card in order to earn the $600 bonus. Full requirements to receive this bonus are:
- Open a new Business Premium Savings account AND a Basic Business Checking account through a single application (bundle) with promo code SBB600.
- During the first 7 statement cycles, earn $100 each cycle that you complete the following requirements:
- Deposit $1,000 or more (via ACH, check, or wire) into their Basic Business Checking account from an external source
- Use the debit card associated with their Basic Business Checking account to make 2 or more approved purchases of at least $50 for each transaction
- Maintain an average daily balance of at least $1,500 in the Basic Business Checking account
- Maintain an average daily balance is at least $50,000 in the Business Premium Savings account.
- Bonus(es) will be deposited into your new account within the first 15 business days following the end of the Statement Cycle in which the eligible business qualified.
- Max total bonuses you can earn is $600
Apply now to earn the $600 bonus from Axos
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5. U.S. Bank
U.S. Bank is offering up to a $1,200 welcome bonus when you open and fund a new, eligible business checking account. The business account you open will determine how much bonus money you can qualify for.
This offer amount is similar to the last time it was offered, and rewards businesses with higher balances, so now might be a great time to jump on it if you've been considering U.S. Bank for your business banking needs.
Business Checking - up to $1200 bonus
Expires: January 14, 2026
The Business Checking signup offer requires you to deposit and maintain a minimum balance, and optionally, make purchases using the account's card and set up bill pay in order to earn the $1200 bonus. Full requirements to receive this bonus are:
- Open a new eligible U.S. Bank business checking account online with promo code Q4AFL25 and complete qualifying activities.
- To earn $400 bonus: Open a new Business Essentials account between 10/01/2025 and 01/14/2026. You must make deposit(s) of at least $5,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $5,000 until the 60th day after account opening.
- To earn $1,200 bonus: Open a new U.S. Bank Platinum Business Checking account between 10/01/2025 and 01/14/2026. You must make deposit(s) of at least $25,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $25,000 until the 60th day after account opening.
- For either bonus, you must also complete 5 qualifying transactions within 60 days of account opening.
- Business checking bonus will be deposited into your new eligible U.S. Bank Business Checking account within 30 days following the last calendar day of the month you complete all of the offer requirements, as long as the account is open and has a positive available balance.
- Subject to certain terms and limitations. Offer valid through January 14, 2026. Member FDIC.
Apply now to earn the $1200 bonus from U.S. Bank
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6. Chase Bank
Chase Bank is offering business owners up to a $500 bonus to open a new Chase Business Complete Checking® account.
The requirements are pretty easy to meet: deposit new money at least $2,000 ($10,000 for $500 bonus) and maintain it for 2 months, and complete just 5 qualifying transactions in the next 3 months. Several activities count as "qualifying transactions", including purchases on your debit card, deposits into the account, setting up a bill payment, and more. See the fine print for the full list, but needless to say, meeting that requirement should be painless.
What's especially awesome about this bonus compared to other business checking account offers is that Chase recently launched the ability for customers to open an account online. Compared to the vast majority of business checking accounts which require you to visit your local branch, opening an account at Chase is significantly more convenient.
If you prefer live help, however, you can still enroll in this offer by entering your email address on the bonus landing page to have an offer code sent to you. Just be sure to take that code with you when you visit a branch.
Chase Business Complete Checking® - up to $500 bonus
Expires: October 16, 2025
The Chase Business Complete Checking® signup offer requires you to deposit and maintain a minimum balance, and optionally, make purchases using the account's card in order to earn the $500 bonus. Full requirements to receive this bonus are:
- Obtain a Chase business coupon using the link below and open a new Chase Business Complete Checking® account.
- Within 30 days, deposit at least $2,000 in new money into the account to earn $300 bonus or at least $10,000 in new money to earn $500 bonus.
- Maintain that balance for at least 60 days from offer enrollment.
- Within 90 days of account opening, complete 5 qualifying transactions: debit card purchases, Chase QuickAccept℠ deposits, Chase QuickDeposit℠, ACH credits, wires (credits and debits), and/or bill pay.
- Bonus will be credited to your account within 15 days of meeting the requirements.
Apply now to earn the $500 bonus from Chase
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7. J.P. Morgan Wealth Management
Available nationwide with the ability to open online, J.P. Morgan Wealth Management is offering up to a $700 welcome bonus when you open a new Self-Directed Investing account with qualifying minimum funding.
This is tiered bonus, meaning that the more you deposit, the more you may be eligible to earn. New for this iteration, J.P. Morgan has introduced a lower tier at $5,000, down from the previous $25,000 entry point and raised the max bonus amount!
Here are all 4 tiers of this investing bonus:
| New Money Added | Bonus Amount |
|---|---|
| $5,000-$24,999 | $50 |
| $25,000-$99,999 | $150 |
| $100,000-$249,999 | $325 |
| $250,000+ | $700 |
This is the highest offer that we've seen to-date from J.P. Morgan.
Self-Directed Investing - up to $700 bonus
Expires: October 21, 2025
The Self-Directed Investing signup offer requires you to deposit and maintain a minimum balance in order to earn the $700 bonus. Full requirements to receive this bonus are:
- Open a J.P. Morgan Self-Directed Investing account using the link below.
- Within 45 days, fund your account with qualifying new money; $5,000 - $24,999 = $50 bonus; $25,000 - $99,999 = $150 bonus; $100,000 - $249,999 = $325 bonus, $250,000 = $700 bonus.
- Your bonus amount will be determined on day 45.
- Maintain your new funds for 90 days (losses due to trading or market fluctuation will not be taken into account).
- Bonus will be received within 15 days.
- INVESTMENT AND INSURANCE PRODUCTS ARE: NOT A DEPOSIT • NOT FDIC INSURED • NO BANK GUARANTEE • MAY LOSE VALUE
Apply now to earn the $700 bonus from J.P. Morgan
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8. TD Bank
TD Bank is offering a $200 welcome bonus if you open a new savings account. With the recent drop in required deposit (from $20k to now $10k), it works out to effectively be an interest rate of about 8%.
What's more, you can maximize this promo by also opening a new personal checking account — stacking an extra $300 or $150 on top of this offer for a total of up to $500.
While this isn't available nationwide, it is open to a healthy list of states, and is no longer targeted to select customers.
Personal Savings - $200 bonus
Expires: October 31, 2025
The Personal Savings signup offer requires you to deposit and maintain a minimum balance in order to earn the $200 bonus. Full requirements to receive this bonus are:
- Open a TD Savings account using the link below.
- Within 20 days, deposit $10,000 and maintain that balance for 90 days.
- Bonus will be paid on or before 180 days after account opening.
Apply now to earn the $200 bonus from TD Bank
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9. Bank of America
If you're a business owner in the market for a new checking account, be sure to check out this offer from Bank of America.
They're offering a $200 cash bonus when you open a new Bank of America® Business Advantage Banking account and maintain qualifying deposits.
To qualify, you can choose between the Bank of America Business Advantage Relationship Banking or Business Advantage Fundamentals™ Banking accounts. Both have monthly fees that can be waived if minimum deposits amounts are met. See below for more details.. Then, you'll just need to deposit $5,000 into your new account. Pretty simple!
Bank of America® Business Advantage Banking - $200 bonus
Expires: December 31, 2025
The Bank of America® Business Advantage Banking signup offer requires you to deposit and maintain a minimum balance in order to earn the $200 bonus. Full requirements to receive this bonus are:
- Open a new Bank of America® Business Advantage Banking account.
- Within 30 days, make qualifying deposits of $5,000 or more in new money.
- For the next 60 days, maintain an average balance of $5,000.
- Bonus will be deposited directly into your Business Advantage Banking account within 60 days from the end of your qualifying period.
Apply now to earn the $200 bonus from Bank of America
Learn More:
10. Discover Bank
Discover – one of our top picks for online banks – is currently offering up to $200 for opening your first Online Savings account. You'll need to deposit $25,000 to earn the full amount, but $15,000 only results in a loss of $50.
One perk to this bonus is that Discover doesn't have a requirement for how long you need to keep the cash in the account; however, with Discover's interest rates still high, it makes a great place to stash some cash. Doesn't get much easier than that!
Discover® Online Savings Account - up to $200 bonus
Expires: March 12, 2026
The Discover® Online Savings Account signup offer requires you to deposit and maintain a minimum balance in order to earn the $200 bonus. Full requirements to receive this bonus are:
- Apply for your first Discover Online Savings Account using promo code GBPE925.
- Within 45 days, deposit at least $15,000 to earn $150 or $25,000 to earn $200.
- Bonus will be credited to your account within 60 days of qualifying for the bonus.
Apply now to earn the $200 bonus from Discover
Learn More:
11. Revolut
Revolut is offering $10 when you open any new Revolut account and complete a transaction with your card. That's it! This is a limited time offer when you sign up through BankBonus.com so you must act fast!
What's more? Select customers may be offered an opportunity to earn 1% back on purchases, up to $70 a week for the first 90 days! On top of that, once you signup you'll be eligible to refer friends. Recent referral promotions have gone as high as $100 each!
Standard Account - $10 bonus
Expires: Limited Time
The Standard Account signup offer requires you to make purchases using the account's card in order to earn the $10 bonus. Full requirements to receive this bonus are:
- Open a new Revolut account using the link below.
- Once you have provided your phone number, you will be directed to the sign up flow for a Revolut Personal account.
- Before the end of the Limited Time Promotion Period, make one (1) qualifying transaction of at least $1.00 using your Revolut physical or virtual card.
Apply now to earn the $10 bonus from Revolut
Learn More:
12. Baselane
Available nationwide, Baselane is a banking platform for landlords to help them manage rent collection, taxes, banking, insurance and more! Through June, Baselane is offering a $150 welcome bonus when you open a new account and collect at least 2 rent payments. There's also a minimum deposit requirement, but it's small.
Baselane Banking - $150 bonus
Expires: Limited Time
The Baselane Banking signup offer requires you to deposit and maintain a minimum balance in order to earn the $150 bonus. Full requirements to receive this bonus are:
- Open a new Baselane account using the link below.
- Within 30 days, deposit at least $500 into a Baselane banking account and maintain that average balance for 60 days.
- Within 90 days, complete at least $1,500 of mortgage payments from your Baselane Banking account.
- Finally, within 90 days, collect at least $1,500 of rent payments using Baselane’s Rent Collection tool.
- Bonus will be deposited into your Baselane banking account within 30 days
Apply now to earn the $150 bonus from Baselane
Learn More:
13. Huntington National Bank
Huntington is offering a welcome bonus to those opening new business checking accounts. This one offers $400 for a $5,000 deposit. They're also running $100 and $1,000 offers for $2,000 and $20,000 deposits, respectively.
While the account needs to remain open for 6 months to avoid forfeiting the offer, you will get the bonus within 2 weeks of meeting the requirement which is pretty great!
Unlimited Business Checking - $400 bonus
Expires: October 16, 2025
The Unlimited Business Checking signup offer requires you to deposit and maintain a minimum balance in order to earn the $400 bonus. Full requirements to receive this bonus are:
- Open a new Unlimited Business Checking account using the link below.
- Within 60 days, make deposits totaling $5,000.
- Keep the account open for at least 90 days.
- Bonus will be deposited to your new account within 14 days of meeting the requirements.
Apply now to earn the $400 bonus from Huntington
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14. Middlesex Savings Bank
If you live in Massachusetts, Middlesex Savings Bank is offering a pretty solid $250 sign-up bonus for opening any one of their Freedom checking accounts – including their free Freedom Blue® account.
The promo doesn't require direct deposit. Instead, you just need to make 8 debit card purchases within the first 2 months. This is a solid offer given the easy requirements!
Freedom Checking - $250 bonus
Expires: October 31, 2025
The Freedom Checking signup offer requires you to make purchases using the account's card in order to earn the $250 bonus. Full requirements to receive this bonus are:
- Open a Freedom Blue checking accounts using the promo code CHK250.
- Within 60 days, make 8 debit card purchases.
- Bonus will be deposited into the account
Apply now to earn the $250 bonus from Middlesex Savings Bank
Learn More:
15. E*TRADE Bank
Payouts have increased again! E*Trade is now offering new investors up to $10,000 in bonus cash when you open and fund a new investing account. You'll only need $1,000 to earn the first tier bonus ($100)!
They've shuffled all the previous tiers and reinstated the tiers for those with 7+ figures to invest. If you're wanting to earn the full $10,000, you need at least $5M in investable assets.
This offer is available to both new and existing customers; however, different rules may apply, so be sure to check the disclosures at the link below.
Brokerage Account - up to $10000 bonus
Expires: October 31, 2025
The Brokerage Account signup offer requires you to deposit and maintain a minimum balance in order to earn the $10000 bonus. Full requirements to receive this bonus are:
- Open a new eligible E*TRADE brokerage or retirement account using the link below with promocode OFFER25.
- During the first 60 days, fund your new account with new money as follows: $1,000 - $4,999, earn $100; $5,000 - $19,999, earn $150; $20,000-$99,999 earn $300; $100,000-$199,999 earn $600; $200,000-$499,999 earn $800; $500,000 - $999,999, earn $1,000; $1,000,000 - $1,499,999, earn $3,000; $1,500,000 - $1,999,999 earn $5,000; $2M - $4,999,999, earn $6,000, $5M+ earn 10,000.
- If you deposit $200,000 or more, you will receive a cash credit within seven business days.
- If you have deposited at least $200,000 in your account, and you make subsequent deposits in that account to reach a higher tier, you will receive a second cash credit following the close of the 60-day window.
Apply now to earn the $10000 bonus from E*TRADE Bank
Learn More:
16. Vantage West Credit Union
Available to businesses in Arizona, Vantage West Credit Union is offering up to a $500 welcome bonus when you open a new business checking account and complete transaction requirements. This is a tiered offer, the more money you can deposit, the more you can earn.
Business Checking - up to $500 bonus
Expires: October 31, 2025
The Business Checking signup offer requires you to deposit and maintain a minimum balance and make purchases using the account's card in order to earn the $500 bonus. Full requirements to receive this bonus are:
- Open a new Vantage West Select Business Checking account, Premier Business Checking account or Community Business Checking account
- Within 60 days, complete five (5) qualifying transactions
- Within 30 days, deposit a total of $2,000 in new money, earn $200 or $10,000+ in new money, earn $500.
- Bonus will be credited to your new business checking account within thirty (30) days of the date the last requirement is met.
Apply now to earn the $500 bonus from Vantage West Credit Union
Learn More:
17. Cambridge Savings Bank
Available in the NorthEast, Cambridge Savings Bank is offering a $150 welcome bonus when you open a new student checking account and use your debit card. That's it. As long as you can make some simple purhcases you're golden.
Simple Checking for Students - $150 bonus
Expires: October 31, 2025
The Simple Checking for Students signup offer requires you to make purchases using the account's card in order to earn the $150 bonus. Full requirements to receive this bonus are:
- Open a new Simple Checking for Students account with a $10 minimum opening deposit.
- Within the first 60 calendar days, complete at least 15 purchases using your CSB Debit Mastercard®
- Bonus will be credited to your account within 90 calendar days after the account was opened as long as qualification conditions are met, and the account remains open in good standing through the qualification period.
Apply now to earn the $150 bonus from Cambridge Savings Bank
Learn More:
18. Central Pacific Bank
Available to businesses in Hawaii, Central Pacific Bank is offering up to a $1,200 welcome bonus when you open a new Business Exceptional or Analyzed Checking account and deposit new money. The more you deposit, the more you can earn.
Already have a business account at CPB? You're eligible as well, as long as you upgrade your account and meet the new money deposit requirements.
Business Exceptional Checking - up to $1200 bonus
Expires: October 31, 2025
The Business Exceptional Checking signup offer requires you to deposit and maintain a minimum balance in order to earn the $1200 bonus. Full requirements to receive this bonus are:
- Open (or upgrade to) a new Business Exceptional or Analyzed Checking account
- Deposit new money as follows: $25,000 to earn a $400 bonus or $75,000 to earn a $1,200 bonus.
- Maintain new money balance for at least 3 full consecutive calendar months from the date of participation in the campaign.
- Maintain the account type account for 6 full consecutive calendar months from the date of account opening or upgrade
- Bonus will be provided to you within 30 days by crediting your Business Exceptional or Analyzed Checking.
Apply now to earn the $1200 bonus from Central Pacific Bank
Learn More:
19. Wells Fargo Bank
Available nationwide, Wells Fargo is offering a $400 welcome bonus when you open a new business checking account and maintain a minimum balance. Though, not as good as the time back in 2022 when they offered a $1,500 bonus, it's still a solid offer.
If you have higher balances, consider Wells Fargo's $825 bonus offer instead.
Business Checking - $400 bonus
Expires: November 4, 2025
The Business Checking signup offer requires you to deposit and maintain a minimum balance in order to earn the $400 bonus. Full requirements to receive this bonus are:
- Open a new Wells Fargo Initiate Business Checking, Navigate Business Checking, or Optimize Business Checking from the link below.
- Have at least $2,500 ending daily balance in your new business checking account on the 30th calendar day and the 60th calendar day after account opening.
- Bonus will be deposited into your new business checking account within 30 days after meeting all offer requirements.
Apply now to earn the $400 bonus from Wells Fargo
Learn More:
20. Connexus Credit Union
Available nationwide through membership of the Connexus Association, Connexus Credit Union is offering a $300 welcome bonus when you open a new Xtraordinary Checking account and maintain a minimum balance. As far as bonuses go, this is a fairly simple one. We haven't seen a bonus from Connexus in a while so now would be a good time to jump on this one.
What's more? You'll also earn up to 5.00% APY on your balance.
Xtraordinary Checking - $300 bonus
Expires: November 9, 2025
The Xtraordinary Checking signup offer requires you to make purchases using the account's card in order to earn the $300 bonus. Full requirements to receive this bonus are:
- Become a member and open a new Xtraordinary Checking account using promo code XTRABONUS.
- Within the first 120 days, meet the monthly requirements for two months (includes 15 monthly qualifying debit card transactions).
- During the 2 months you meet the requirements, maintain an average minimum balance as follows: $1,000.00 – $4,999.99, earn $100; $5,000.00 – $9,999.99, earn $200; $10,000+, earn $300
- Bonus will be credited to your account within 10 business days after the three-month anniversary if the stated requirements have been met.
Apply now to earn the $300 bonus from Connexus
Learn More:
21. Associated Bank
Back for 2025! Available in quite a few midwestern states, Associated Bank is offering up to a $750 welcome bonus when you open a new business checking account and deposit new money. The business account you open will determine what the max bonus amount you'll be eligible for.
What's even more? You can stack this offer with their personal checking account bonuses to earn a lot more!
Business Checking - up to $750 bonus
Expires: November 15, 2025
The Business Checking signup offer requires you to deposit and maintain a minimum balance in order to earn the $750 bonus. Full requirements to receive this bonus are:
- Be a new business checking customer and open a new business checking account.
- Open a Business Foundation Checking® account and deposit $2,000 in new money within 30 days, earn a $100 bonus; Open a Business Core Checking® account and deposit $5,000 in new money, earn a $400 bonus; Open a Business Advanced Checking® account and deposit $20,000 in new money, earn $750
- Maintain the minimum balance between days 31 to 90.
- Bonus will be deposited into the new Associated Bank business checking account within 120 days of account opening.
- Keep the account open for at least 12 months
Apply now to earn the $750 bonus from Associated Bank
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22. First Horizon Bank
Available primarily in the SouthEast, First Horizon Bank is offering a $800 welcome bonus when you open a new business checking account and make deposits. This is no longer a tiered offer, so you'll need to meet all requirements to get the bonus.
With that said, the bonus is higher, but does require higher deposit balances.
Business Checking - $800 bonus
Expires: November 29, 2025
The Business Checking signup offer requires you to deposit and maintain a minimum balance in order to earn the $800 bonus. Full requirements to receive this bonus are:
- Open a new BizEssentials Checking account.
- Within 15 days of the account opening, deposit at least $25,000
- Maintain a $25,000 average daily balance for the first 3 full statement cycles.
- Conduct 20 qualifying transactions within the first 3 full statement cycles.
- Bonus will be deposited within 10 business days after qualifying activities are met.
Apply now to earn the $800 bonus from First Horizon Bank
Learn More:
23. Central Bank of the Midwest
Available in select midwestern states, Central Bank of the Midwest is offering a $500 welcome bonus when you open a new business checking account and maintain a minimum balance. Don't worry, the amount required isn't absurd like some other offers -- $3,000 is enough to score this $500 bonus...a pretty good ROI if you ask us!
It's worth noting that all though there are branches in Naples, Florida, it is not an eligible state for this promotion. They also removed Colorado from the eligibility list.
Business Checking - $500 bonus
Expires: November 30, 2025
The Business Checking signup offer requires you to deposit and maintain a minimum balance in order to earn the $500 bonus. Full requirements to receive this bonus are:
- Open any business checking account using offer code 500BB15
- At day 90 day from account opening, have a balance of at least $3,000.
- Bonus will be deposited into your account
Apply now to earn the $500 bonus from Central Bank of the Midwest
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24. Flagstar Bank
Flagstar Bank is offering business owners operating within their footprint a $500 bonus for opening any new business checking account – including their Standard Business Checking which comes with no monthly fee.
This time around they want your deposits. You'll need the ability to maintain at least $25,000 to earn the bonus
Keep in mind that the account will need to stay open for at least 6 months to avoid early closure fees.
Business Checking - $500 bonus
Expires: November 30, 2025
The Business Checking signup offer requires you to deposit and maintain a minimum balance, and optionally, set up bill pay in order to earn the $500 bonus. Full requirements to receive this bonus are:
- Open any new Business Solutions Checking or Business Solutions Checking with Interest account using the link below.
- For 90 days, maintain an average daily balance of $25,000.
- Bonus will be credited to your account 91-104 days after account opening.
Apply now to earn the $500 bonus from Flagstar Bank
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25. Live Oak Bank
Available nationwide with the ability to open online, Live Oak Bank is offering a $200 welcome bonus when you open a new personal savings account and meet the minimum deposit requirement of $20,000. This is higher than the last time Live Oak offered this bonus.
It's an easy bonus, but the initial capital required may be a steep barrier of entry.
What's more? This bonus is also available to existing customers. If you already have an existing Live Oak Bank personal savings account, just deposit $20,000 in new money from outside Live Oak Bank and maintain it for the 60 day holding period.
Live Oak personal savings - $200 bonus
Expires: November 30, 2025
The Live Oak personal savings signup offer requires you to deposit and maintain a minimum balance in order to earn the $200 bonus. Full requirements to receive this bonus are:
- Open a Live Oak Bank personal savings account and be fully funded with at least $20,000 by 11:59 p.m. EST on 11/30/25
- For the 60 days following the date the account is fully funded with at least $20,000, maintain a balance of $20,000 or more and watch your personal savings grow at 4.00% APY
- Bonus will be deposited to your account within 45 days after you complete all required activities.
Apply now to earn the $200 bonus from Live Oak
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Want to see even more new account offers?
Credit Card Bonuses Don’t Require Direct Deposit
In addition to bank promotions, another way to earn bonus cash without needing to set up direct deposit is to explore credit card offers.
These almost always require you to spend a certain amount using your new card, and you’re usually given a few months to meet that requirement.
One caveat: always compare the spending requirement to your normal budget. If you need to make unplanned purchases, the sign-up bonus isn’t worth it.
But if the bonus fits into your normal spending, or you time the offer for when you have big purchases planned, then these can be an awesome way to earn sign-up cash without the need for direct deposit.
Here are a few credit card offers to consider:
- Capital One Quicksilver Cash Rewards Credit Card: $200 bonus
- U.S. Bank Altitude® Connect Visa Signature® Card: 30,000 bonus points
- Fifth Third Preferred Cash/Back Card: 2% Cash Back
- The Platinum Card® from American Express: 175,000 bonus points
- Citi® Double Cash Card - 18 month BT offer: up to $200 + 2% Cash Back
1. Capital One Quicksilver Cash Rewards Credit Card
The Capital One Quicksilver Cash Rewards Credit Card comes with a $200 welcome bonus. All you need to do to qualify is make $500 worth of purchases within three months of opening the account.
The card has no annual fee, and cardholders also enjoy experiences such as VIP tickets and 5-star meals, among other perks.
The Capital One Quicksilver Cash Rewards Credit Card is a straightforward option, with a decent flat interest rate across all spending categories. While some cards offer more cash back and perks, it's a good choice if you don’t want to worry about tracking your spending in bonus categories.
Capital One Quicksilver Cash Rewards Credit Card - $200 bonus
The Capital One Quicksilver Cash Rewards Credit Card offer requires you to make purchases using the account's card in order to earn the $200 bonus. Full requirements to receive this bonus are:
- Apply for a new Capital One Quicksilver Cash Rewards Credit Card using the link below.
- Within 3 months, spend $500 using your new card.
- Bonus will be credited to your rewards balance within 2 billing cycles.
Learn more about the Capital One Quicksilver Cash Rewards Credit Card $200 bonus offer
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2. U.S. Bank Altitude® Connect Visa Signature® Card
U.S. Bank's Altitude® Connect Visa Signature® Card offers new cardholders a welcome bonus of 30,000 points after spending $1,000 on eligible purchases within the first 90 days of opening the account.
The Altitude® Connect Visa Signature Card comes with many ways to earn bonus points on purchases in popular categories, including hotels, travel, gas, grocery and more.
Whether you’re new to travel rewards or you simply want to add a streamlined rewards card to the mix, the U.S. Bank Altitude Connect Visa Signature is a solid pick. It comes with a low annual fee and competitive bonus rewards on gas, travel, dining, and groceries perfect for newbies.
U.S. Bank Altitude® Connect Visa Signature® Card - 30,000 bonus points
The U.S. Bank Altitude® Connect Visa Signature® Card offer requires you to make purchases using the account's card in order to earn the 30,000 bonus points. Full requirements to receive this bonus are:
- Apply for a U.S. Bank Altitude® Connect Visa Signature® Card using the link below.
- Within 90 days, spend $1,000 on eligible purchases.
- Bonus will post to your account within 6-8 weeks of completing the requirements.
Learn more about the U.S. Bank Altitude® Connect Visa Signature® Card 30,000 bonus points offer
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3. Fifth Third Preferred Cash/Back Card
The Fifth Third Preferred Cash/Back Card offers cardholders an unlimited 2% cash back on every purchase you make using the card.
This no-annual-fee credit card is only available to Fifth Third Preferred Banking clients. If you qualify, the card comes with a straightforward rewards system: 2% on everything, with no tiered or rotating categories, no limit to your earning, and with rewards that never expire.
Fifth Third Preferred Cash/Back Card - 2% Cash Back
The Fifth Third Preferred Cash/Back Card offer requires you to make purchases using the account's card in order to earn the 2% Cash Back. Full requirements to receive this bonus are:
- Apply for a new Fifth Third Preferred Cash/Back credit card at your local branch or by phone.
- Use your new card for online or in-store purchases, and automatically receive 2% cash back directly to your rewards account.
- At any time, use the online portal to redeem your rewards for gift cards, cash back, or travel.
Learn more about the Fifth Third Preferred Cash/Back Card 2% Cash Back offer
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4. The Platinum Card® from American Express
The Platinum Card® from American Express comes with a new cardmember offer that can see you earn 175,000 Membership Rewards® Points after spending $8,000 within the first six months.
You also get a whole host of other annual perks including up to $600 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, a $240 digital entertainment credit, $200 Uber Cash, a $200 airline fee credit, Saks and LuluLemon credits and more! Enrollment required.
This is in addition to the lounge access and 5x Membership Rewards® Points on flights booked directly with airlines or with American Express Travel (up to $500,000 on these purchases per calendar year) and hotel purchases through amextravel.com.
The Platinum Card from American Express is the original luxury card. While its annual fee is high at $695, so are its luxurious rewards, including Amex Membership Rewards, extensive travel points, and annual statement credits. Terms Apply.
The Platinum Card® from American Express - 175,000 bonus points
The The Platinum Card® from American Express offer requires you to make purchases using the account's card in order to earn the 175,000 bonus points. Full requirements to receive this bonus are:
- Apply for The Platinum Card® from American Express using the link below.
- Within 6 months, spend $8,000 on eligible purchases using your new card.
- Bonus will be credited within 8-12 weeks of meeting the requirements in the form of Membership Rewards points.
Learn more about the The Platinum Card® from American Express 175,000 bonus points offer
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5. Citi® Double Cash Card - 18 month BT offer
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of your Citi Double Cash® card account opening.
You'll earn up to 2% cash back each month on purchases (1% when you buy + 1% when you pay).
The Citi® Double Cash Card is hard to beat when it comes to straightforward rewards with no annual fee. You get a flat rate of 2% rewards—1% when you buy and another 1% when you pay it back—an incentive to build up your credit score by making payments on time.
Citi® Double Cash Card - 18 month BT offer - up to $200 + 2% Cash Back
The Citi® Double Cash Card - 18 month BT offer offer requires you to make purchases using the account's card in order to earn the $200 + 2% Cash Back. Full requirements to receive this bonus are:
- Apply for a new Citi® Double Cash Card using the link below.
- Within the first 6 months, spend $1,500, earn $200.
- Ongoing: Spend with your new card, earn 1% cash back. By the due date, pay at least the minimum balance due, earn an additional 1% cash back.
Learn more about the Citi® Double Cash Card - 18 month BT offer $200 + 2% Cash Back offer
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Direct Deposit Requirement: What Counts?
While the above list only includes bank bonuses without a direct deposit requirement, you may be surprised to learn that other bank offers that do require a direct deposit may still be within your reach.
The crux is around what each bank considers to be a qualifying direct deposit.
Spoiler alert: it can vary.
So, what counts as a “qualifying” direct deposit?
It’s true, the bank does not see all deposits as equal.
Why not?
It gets to the heart of what the bank is trying to have you do by offering a bonus reward in exchange for opening a new account and setting up direct deposit: commit to the account and continue using it, long after you’ve met the bonus requirements.
So, to that end, a “qualifying direct deposit” is, strictly speaking, a reoccurring deposit made by your employer or the government (such as for social security benefits).
But, as we alluded earlier, this definition is not shared among all banks.
For example:
- Capital One 360: Transfers from brokerage accounts such as Fidelity, Schwab, and Ameritrade fulfill the direct deposit requirement.
- Bank of America: Transfers from prepaid debit cards such as Bluebird and Serve count as direct deposits.
- KeyBank: Transfers from PayPal will be coded as direct deposit.
- U.S. Bank: Transfers initiated from many online banks such as Ally, Discover, and USAA will fulfill the direct deposit requirement.
As always, look to the bonus terms and fine print to guide you. It will almost always clearly state what counts as direct deposit and what does not.
Learn More About Bank Bonuses and Their Requirements
Bank bonuses – particularly those that don’t even require direct deposit – are easy money.
However, it can be time-consuming trying to stay on top of offers that are constantly changing.
Plus, if you’re new to bank promotions, your head may spin for a bit trying to learn the nuances, requirements, and pitfalls.
Fortunately, we can help.
By entering your email address below, you’ll get instant access to:
- Why banks run these deals and how they make money
- How to meet the requirements
- Pitfalls to avoid
- Insider tips to maximize your earnings
- The newest offers available in your area
…basically everything you need to go from “I’m so confused!” to earning some of the easiest money you’ve ever made.
Frequently Asked Questions
Do checking offers expire?
Yes. Any bank offer is usually tied to an expiration date. Promotions can last anywhere from months to years, but they are almost always held to a certain timeframe.
If you’re interested in taking advantage of an offer, be sure to look into the fine print and figure out how long you have to sign up.
As a general rule of thumb, if you need a new bank account and the sign-up bonus is appealing, don’t delay.
Why can’t I find a bank promotion without direct deposit requirements?
Usually, you have to dig through a bank’s website to find bonuses, but we launched BankBonus.com to make it easy to find the best bank bonuses in one place.
If you’re struggling to find a promotion that you read about online, it’s possible that it expired or that the bank pulled it. It happens all the time.
Take some time to search through this site and sign up for our newsletter so you can get alerts when new bonuses drop.
Can I qualify for a bonus with credit card funding?
It depends. Some banks allow you to open a bank with a credit card, but many don’t. If you go this route, make sure that your credit card issuer flags the deposit as a purchase and not as a cash advance so you can avoid unnecessary fees.
Also, keep in mind that a lot of banks don’t accept American Express or Discover for credit card funding, so you’ll probably have better luck with a Visa or MasterCard.
Are bank bonuses taxable?
Yes, the money you earn from a new account bonus – regardless of whether it requires direct deposit or not – will be reported to the IRS and taxed as income. Keep this in mind when you’re figuring out your total return on any given offer.
Are Bank Promotions without Direct Deposit Requirements For You?
Choosing the right bank account is an important step in your personal finance journey.
While a bonus offer should never be the main reason you sign up for an account, it doesn’t hurt to take advantage of one of them if the bank meets your other criteria.
The key is finding an FDIC-insured bank account that works best for you. You might also want overdraft protection and the ability to earn cash back on your purchases.
If you are like the millions of others that don’t have direct deposit, don’t worry. You still have a ton of options.
Take some time to shop around and think about what’s most important. The right bank promotions without direct deposit are out there for you.
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